EPF Calculator India — Project Your Provident Fund Retirement Corpus
Project your EPF retirement corpus with year-wise growth. See employee + employer contributions, compounded interest, and maturity amount.
Your monthly basic salary plus dearness allowance
Standard EPF retirement age is 58
Leave 0 if starting fresh
How to use this tool
Enter basic salary
Your monthly basic salary + DA — this is the base for EPF contribution
Set age details
Current age and target retirement age to determine the investment horizon
View growth projection
See year-wise EPF growth with contributions, interest, and total corpus
How this tool helps
Accurate 3.67% split
Uses the correct employer EPF contribution of 3.67% — not the full 12%, which most calculators get wrong.
Year-wise breakdown
See exactly how your corpus grows each year, with salary increments and compounded interest visualized.
VPF support included
Add voluntary contributions above 12% and see how they accelerate your retirement corpus at the same 8.25% rate.
About this tool
Understand where it fits into your salary workflow.
Project your EPF retirement corpus with year-wise growth. See employee + employer contributions, compounded interest, and maturity amount.
The Employee Provident Fund (EPF) is a mandatory retirement savings scheme for salaried employees in India. Both employee and employer contribute 12% of the employee's basic salary plus dearness allowance (DA) every month. However, the employer's 12% is split: only 3.67% goes to EPF, while the remaining 8.33% is diverted to the Employee Pension Scheme (EPS).
EPF earns compound interest at the rate declared by the EPFO each year. For FY 2024-25, the interest rate is 8.25% per annum. Interest is calculated monthly on the running balance but credited at the end of the financial year, making EPF one of the highest-yielding risk-free instruments available to salaried individuals.
This calculator projects your EPF corpus at retirement by compounding monthly contributions over your remaining working years. It factors in annual salary increments and an optional Voluntary Provident Fund (VPF) contribution for employees who want to save more at the same guaranteed interest rate. VPF contributions above 12% are voluntary and attract the same interest rate as EPF.
Who is this for? Any salaried employee who wants to know how much their provident fund will grow by retirement. Whether you are 25 and just starting your career or 45 and planning your exit, the year-wise breakdown shows exactly how your corpus builds over time — and how much of it comes from interest vs. contributions.